Don t wait to feel better... call a doctor!

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Bennett Floyd
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TELADOC Don t wait to feel better... call a doctor! Did you know you have access to 24/7 doctor visits over the phone at no cost to you? It s true! And you can get a prescription written, if needed.

1 TELADOC Don t wait to feel better... call a doctor! Did you know you have access to 24/7 doctor visits over the phone at no cost to you? It s true! And you can get a prescription written, if needed. Do you know what people usually say BEFORE they use Teladoc? HMMM, I don t know if that ll work. Do you know what they say AFTER a Teladoc visit? WOW! That was easy! I m totally doin that again! Here are two pieces of advice: 1 Have you completed your Teladoc account setup? If not, take 10 minutes and do it now when you re healthy! Everything you need is in your freshbenies member packet, portal or app. If you need help, just call freshbenies Member Services at When you or someone in your family isn t feeling well and you re considering a visit to the doctor/er/ Urgent Care STOP and request a consult! Read page 2 for answers to the most popular Teladoc questions. I was going to see my family in a town that was a 5 hour drive from my home. About 30 minutes into the drive, my back started to spasm, which is normally the start of something much worse unless I handle it quickly. Instead of having to wait 5+ hours to even try to get to a doctor, I called Teladoc while on my ride. They called me back about 20 minutes later, asked a bunch of questions and called in a prescription to a pharmacy right by my destination. I was able to pick it up before seeing my family and had a great visit (vs. what it could have been). What an amazing service to have! Mike 2015 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Consults are not available outside of the U.S. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs, which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7am to 9pm, 7 days a week. Disclosures: This is not insurance. This discount card program contains a 30-day cancellation period. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box , Dallas, TX , Learn more at freshbenies.com. Some state restrictions may apply B300-EE-TELADOC

2 TELADOC Q&A About Using Teladoc Why should I call Teladoc? Answer: 24/7 access to a doctor by phone or video. Fast treatment. Teladoc doctors respond within 16 minutes, on average. Talk to a Teladoc doctor from anywherein the US: at home, work, or while traveling. Save money by avoiding expensive urgent care or ER visits. What can the Teladoc doctors treat? Answer: Allergies Cold & flu Bronchitis Sore throat Ear Infection Respiratory infection Sinus problems Urinary tract infection Pediatric care Poison ivy Pink eye and more What can t the Teladoc doctors treat? Answer: It s important to note that Teladoc is not a drug fulfillment warehouse. In the event a doctor does prescribe medication, he/she will limit the supply based on state regulations. If you have a chronic illness, you should visit a primary care physician or other specialist for extended care. Also, based on treatment protocols, doctors may not prescribe an antibiotic for viral illnesses such as most colds, sore throats, coughs, sinus infections and the flu. Doctors may suggest alternative treatment options such as a prescription for symptom relief or over-the-counter medication. How do I set up my Teladoc account? Answer: It s quick and easy. Just follow the instructions in your Info Booklet (or call if you don t haveyour booklet). Then, complete your medical history online or have a Teladoc representative complete your medical history over the phone. How do I request a visit with a doctor? Answer: It s easy! Just log in to your account at teladoc.com/ feelbetter and click Request a Consult or call any time day or night. There is one patient per consult. If multiple family members need a consult, please make separate requests. How quickly can I talk to the doctor? Answer: A doctor will call you back within 16 minutes, on average. If you miss the doctor s call (whether you are away from the phone or you have anonymous call blocker on) you will be returned to the bottom of the waiting list. The consultation request is cancelled if you miss three calls. Can I provide visit info to my doctor? Answer: Yes. You have access to your portable electronic medical record at anytime. Download a copy from your online Teladoc account or call and ask to have your medical record mailed or faxed to you. Who are the Teladoc doctors? Answer: They are U.S. board certified in Internal Medicine, Family Practice, Emergency Medicine, or Pediatrics. They average 15 years practice experience & are licensed in your state. The doctors incorporate Teladoc into their day-to-day practice as a way to provide people convenient, affordable access to quality medical care. Does Teladoc replace my doctor? Answer: No. Teladoc doctors do not replace your primary care physician. Instead, use this service when you need immediate care for non-emergency medical issues. Note: Using Teladoc as your primary care physician and/or over-utilizing the service could result in termination. Want to learn more? Watch these videos! Need help? Call freshbenies Member Services at , login at or download the freshbenies app! B300-EE-TELADOC

DOCTORS ONLINE Where do you go when you need solid medical advice? Google? WebMD? Facebook? Let s face it, there s a lot of bad medical advice on the internet.

3 DOCTORS ONLINE Where do you go when you need solid medical advice? Google? WebMD? Facebook? Let s face it, there s a lot of bad medical advice on the internet. With the Doctors Online service from edocamerica, you can get personalized answers within a few short hours from an expert team of U.S.-based board-certified specialists, including... Physicians Psychologists Pharmacists Dentists Dieticians Fitness Trainers Alternative Medicine Doctors AND MORE! Questions others have asked, and you can, too! My doctor recommended I increase calcium in my diet and I m allergic to dairy products. Can you tell me the foods that are high in calcium? My baby just turned 6 months and the flu season is beginning. Should he receive the flu vaccine? I have attached a picture of my son s foot. He developed a rash on both feet, and it itches intensely. Do you know what this could be? My doctor just prescribed another medication for me in addition to one I already take daily, are these medications safe to take together? I have kidney cancer. My doctor suggests surgery. What questions should I consider first? On Thursday, I m going to the hospital for an angiogram. Can you explain what they will be doing to me? Will it hurt? Are there any questions I should ask? Is there anything I need to do beforehand? During the past 6 months, I have been diagnosed with high blood pressure, lost a loved one, and cared for my daughter through a serious illness. I ve lost interest in many activities I once enjoyed, can t sleep at night and I feel in a funk. Do you think I am struggling with depression? Disclosures: This plan is NOT insurance. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR This discount card program contains a 30 day cancellation period. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box , Dallas, TX , Some state restrictions may apply. DOCTORSONLINE

DOCTORS ONLINE FAQs How does it work? Answer: Follow the instructions in your freshbenies Member Info Booklet, login at www.freshbenies.com or download the freshbenies app to ask your question.

4 DOCTORS ONLINE FAQs How does it work? Answer: Follow the instructions in your freshbenies Member Info Booklet, login at or download the freshbenies app to ask your question. Can I get a prescription written? Answer: You won t get a prescription through this service, but you will get 24/7 access to trustworthy, personalized medical advice in a few hours. Is this service available to my family? Answer: Yes, all your IRS dependents are included in the freshbenies services. Will I receive instant answers? Answer: You ll have an answer back in a few hours, but within 24 hours guaranteed. Many times, the specialists will take time to research or reach out to other preferred experts to get solid answers and find resources to share with you. Is there a cost to use the service? Answer: No! And, there s no limit to the number of questions you can ask. 3 hours average response time Available in 50 states & 30+ countries 1 million families supported 16 years in business 0 malpractice claims $0 cost to member My family practitioner told me the nodule on my neck was quite common and there wasn t any cause for concern. I sent an to Doctors Online to get a second opinion the doctor was very personal and sent a lengthy telling me it was very, very important for me to seek additional attention. I had 2 biopsies and it turned out to be thyroid cancer. I really feel that if I did not use this service, I would not have found my thyroid cancer or be cancer-free today. Denise from TX DOCTORSONLINE

5 ADVOCACY 6 ways Advocacy takes the headache out of your healthcare Let s face it, healthcare and insurance are confusing! With freshbenies, you have someone to help guide you through it all. Here are the top 6 ways they help 1 Find the right providers They ll help locate the right hospitals, dentists & other leading healthcare providers near you and/ or in your network! 2 Book appointments and procedures They ll schedule earliest appointments, arrange treatments, plan major medical procedures and cost up-front. 3 Get cost estimates Receive local estimates for common medical procedures. Make informed decisions to get the best value BEFORE a procedure. 4 Answer questions Get personalized help and explanations about test results, treatments & medications prescribed by your physician. 5 Assist with eldercare Need help with aging parents or parents-in-law? They ll answer Medicare questions, help access community services & more. 6 Help with medical bills Any medical or dental bills over $400 that haven t been submitted to insurance or previously discounted. See below. How can they help with medical bills? Case #1 Issue: A member had an outstanding bill for surgery performed at an out-ofnetwork hospital. Resolution: Health Advocate Medical Bill Saver worked with the hospital to reduce the bill. Billed charges: $5,032 Negotiated discount: 50% Savings: $2,516 Case #2 Issue: A member received a bill for a dental implant that was not covered by her dental plan. Resolution: Health Advocate Medical Bill Saver worked with the dentist, who agreed to accept a lower fee. Billed charges: $1,600 Negotiated discount: 55% Savings: $880 Case #3 Issue: Following surgery, a member received a large bill from a nonparticipating anesthesia group. Resolution: Health Advocate Medical Bill Saver negotiated an arrangement that reduced the member s responsibility. Billed charges: $3,275 Negotiated discount: 38% Savings: $1,245 Disclosures: This is not insurance. This discount card program contains a 30-day cancellation period. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements of the Affordable Care Act or Massachusetts under M.G.L. c. 111M and 956 CMR Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box , Dallas, TX Some state restrictions apply. ADVOCACY

You ll be assigned a Personal Health Advocate. 3. You ll complete a medical authorization allowing your Advocate to assist. 4. Your Advocate will review your info and work to resolve your issues.

6 ADVOCACY Health Advocate is the company that provides the Advocacy service in your freshbenies card. How does it work? Answer: 1. Follow the instructions in your freshbenies Member Info Booklet, login at or download the freshbenies app to use all your services. 2. You ll be assigned a Personal Health Advocate. 3. You ll complete a medical authorization allowing your Advocate to assist. 4. Your Advocate will review your info and work to resolve your issues. Who can use the Medical Bill Saver service? Answer: Of course, all your freshbenies services can be used by your spouse (or domestic partner), and legal dependents. But the Health Advocate services can also be used by parents and parents-in-law. What if I have a large bill, but I was charged properly under my insurance plan? Answer: They will always attempt to work with providers to negotiate a discount on bills of $400 or more, but can t guarantee that a provider will accept a discounted balance. It s always good to have an impartial expert reviewing your bills and working on your behalf. What are common situations they typically negotiate successfully? Answer: Many are related to services that have been denied by your plan, or that might not be included in your plan. For example, let s say you hit your plan s maximum payout for physical therapy services, but still needed treatment. Health Advocate would be able to negotiate directly with your provider on bills from appointments that were denied. Additionally, if you used an out-of-network provider that charged you for services above-and-beyond what your medical plan would cover Health Advocate would be able to negotiate on this amount because the fees are your sole responsibility and not eligible for coverage under your medical plan. Are there any state restrictions? Answer: Yes, some states have laws that restrict Health Advocate from negotiating bills on your behalf. For instance, say you have an outstanding bill and the balance is related to charges that were applied to your insurance plan s deductible and coinsurance. In this situation, some states allow the deductible and coinsurance amounts to be negotiated, while others don t. Your personal Advocate will let you know if your medical bill is impacted by a state law. If they aren t able to negotiate, what else can they do? Answer: They can review your medical bills for accuracy many bills have errors that can be expensive if they are not reviewed and caught by an expert. If errors are found, they can work with the providers to ensure the errors are corrected. They can assist in working out a payment plan with the provider, or research financial aid opportunities, if needed. I needed an MRI and knew the prices varied wildly. I called the Advocacy service and asked them to do some research in my local area. Within 20 minutes, I received an with 3 different locations and the pricing for each. The prices varied from $450 to over $1000, I m really glad I called... Jeff from TX I had a procedure in January In December 2013, I received a $1,500 bill I knew wasn t correct... I called the freshbenies Advocacy service who did all the work and called me back a week later to let me know they d taken care of it and I didn t owe ANYTHING. Lynn from GA ADVOCACY

PRESCRIPTION SAVINGS Get your drug on (sale)! 46% average savings Your freshbenies prescription discount gives you savings of 10% to 85% on most prescriptions on average our members save 46%!

To find the biggest savings, use your member portal or app to get a price for your drug/dosage at participating pharmacies in your area. Prices can vary from pharmacy to pharmacy, so check first!

7 PRESCRIPTION SAVINGS Get your drug on (sale)! 46% average savings Your freshbenies prescription discount gives you savings of 10% to 85% on most prescriptions on average our members save 46%! This discount is great for drugs that are expensive or not covered by insurance. Not sure if there s a discount on your drug? Here are some tips: 1 Get a price quote! To find the biggest savings, use your member portal or app to get a price for your drug/dosage at participating pharmacies in your area. Prices can vary from pharmacy to pharmacy, so check first! 2 Try it! Try it! Just flash your card or app at the pharmacy (there are 60,000 of them). The pharmacist will calculate any discounts and you pay the lower price. 3 Ask! Call our Member Services at we re here to help. With insurance, my monthly prescription was $88, but with freshbenies, it s only $48. The first time I used my freshbenies card, the pharmacist was skeptical and assured me that nothing was going to be cheaper than using my insurance. I asked her to run my freshbenies card anyway and when the total came out $40 cheaper, she was so impressed she asked me how you get freshbenies! Krystal from TX Disclosures: Pharmacy discounts are NOT insurance, and are not intended as a substitute for insurance. The dscount is only available at participating pharmacies. Administrator: New Benefits, Ltd., PO Box , Dallas, TX 75367, Not available in VT. B300-EE-PRESCRIPTIONS

8 PRESCRIPTION SAVINGS Q&A About Prescription Discounts What can I expect to save? Answer: Prices vary on prescription drugs, so it s hard to estimate specific dollar savings. However, you can save 10% to 85% on acute care medications and 46% on average. It s always worth checking! Can I use this discount in addition to my insurance or to reduce my co-pay? Answer: No, freshbenies can t be used in conjunction with other discount or insurance cards. What if I have already have prescription coverage under my health insurance? Answer: Present your freshbenies card or app AND your insurance car the pharmacist will determine which card offers the most savings. You can also save on medications your insurance does not cover. Do I get a discount on every single drug when I use my card? Answer: No. Drug stores determine their own pricing structures. Due to large discounts from manufacturers, some drugs may already be priced at or below our discounted price. For instance, there won t be a discount on $5 generic drugs. And, most pharmacies use long-term, maintenance or high-profile medications (Prozac, Zantac, Premarin, etc.) as loss leaders and price these drugs at or below cost. That doesn t mean there aren t substantial savings to be had on other medications, so it s always good to check. Is there a limit to the number of times I can use the discount? Answer: No. What are the most popular prescriptions? Answer: MOST POPULAR PRESCRIPTIONS ANTI-DEPRESSANTS/ ANTI-ANXIETY BLOOD PRESSURE/ BETA BLOCKERS PAIN KILLERS DIURETICS ANTIBIOTICS PET MEDICATIONS Questions? Just call Member Services at B300-EE-PRESCRIPTIONS

Fixed Indemnity Benefits for Field Associates

Fixed Indemnity Benefits for Field Associates Highlights: Benefit Options FAQ s Missed Premium Additional Programs Important Notices WELCOME TO THE EMPLOYBRIDGE FIELD ASSOCIATES INDEMNITY BENEFITS PLAN.